Need life insurance policy

Yes, Your Stay-at-Home Spouse Needs Life Insurance, Chris Hogan

If your family depends on your income, buying life insurance for yourself is a no-brainer. They will need money to replace the money you’ve been bringing in every month. But what about your spouse who stays at home and takes care of children? Do they still need life insurance? Having life insurance means that you don’t add financial stress on top of the emotional loss of a loved one. A surviving spouse is left with some pretty big financial costs to bear. And without life insurance to help cushion the blow, the weight of that responsibility can be overwhelming. Just think about a few costs to consider if a stay-at-home spouse were to pass away: 1. Funeral expenses. Unless you’ve already put...

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The need and benefits of Life Insurance, AegonLife

The need and benefits of Life Insurance Do you have a family who depends on you in any way? Are you the primary bread-earner in your family? Do you want your family to be financially secure even after you pass away? If the answer to any or all of the above questions is a yes, then you definitely need life insurance. Unfortunately, though, many believe in the myth that paying for a life insurance premium is a waste of money. The basic truth, though, is that your family needs you to buy a life insurance cover. Here are the main benefits of life insurance Protection: Do you have any loans in your name, like a home or car loan? Remember, in case of your death, it is your family that will have...

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Who Needs Life Insurance?, HowStuffWorks

Not everyone needs life insurance. The general rule is that you only need life insurance if you have dependents. Typically, dependents are children who still live at home or have yet to graduate from college. But a dependent could be anyone who is financially dependent on you, like a spouse, sibling or an aging parent. Life insurance is generally designed for younger, working people with families. Here's why: Life insurance is meant to replace your "value" to your family once you're gone. For a working parent, a big part of that value is your salary. If you die, you'll want your family to receive enough money to replace your salary for at least the next five to seven years [source: Money....

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10 reasons you need to buy life insurance- Business News

10 reasons you need to buy life insurance Young people think life insurance is something you need to think about when you get old. But that is a big myth Buying life insurance is one of the most important financial decisions, but believe it or not, only 10 per cent of Indians are insured. But why is it so important? Well, regardless of how much you earn, no one knows what the future holds. Lots of people die a prematurely every year from illness or accident and, if you happen to be the sole breadwinner in the family and you were to pass away, it could have devastating consequences for your loved ones-their ability to pay household expenses, debts and maintain their standard of living. The...

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Dear millennial, do you need life insurance? - Livemint

Dear millennial, do you need life insurance? If you are in your 20s and 30s and are considering buying a life insurance policy, here is what you should know Mumbai: Smruti Valegaonkar, 25, Mumbai-based senior architect and product designer at MuseLab Design Engine, has a life insurance cover. “My parents bought it when I was a child,” said Valegaonkar, who has an endowment life insurance plan. The nominee of her insurance plan is her younger brother. “If she does not have dependence requirement, Valegaonkar can continue with the same plan,” said Suresh Sadagopan, founder of Ladder7 Financial Advisories. However, Valegaonkar wants to buy a separate life cover next...

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Moms Listen Up: You Need Life Insurance, Too

Moms Listen Up: You Need Life Insurance, Too Could you imagine what the total cost would be of having your own personal chef, nurse practitioner, counselor, bookkeeper, decorator, chauffeur, cleaning lady? If you’re a mom, you’ve probably just realized that I just listed some (definitely not all) of your daily duties of being a mother. It is very common in many households where the breadwinner has purchased plenty of insurance to cover them, but what about the stay at home mom who performs many of the above tasks on a daily basis? The fact remains is that many moms either don’t have adequate life insurance coverage on them or, even worse, don’t have any life...

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10 Reasons Why You May Need Life Insurance in Retirement, Quotacy

The main reason you buy life insurance is to replace your income if you die so that your loved ones do not find themselves crumbling in financial hardship. For young families, life insurance is extremely important because this is the time in their lives when suddenly losing a breadwinner can be devastating. With this reasoning, it is also why many financial advisors recommend term life insurance versus permanent life insurance for the average family. The thought behind this is that once your term ends, your children are grown, your mortgage may be nearly paid off, and you’re not far from retirement, so life insurance coverage is no longer a necessity. Everyone’s situation is different,...

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How Much Life Insurance Do I Need?,

How Much Life Insurance Do I Need? Update your details below to find a personalized policy that meets your needs. How Much Life Insurance Do I Need? Want to protect your dependents in case something happens to you? We thought so. While buying life insurance may not be the world’s most exciting way to spend money, it’s one of the smartest financial moves you can make. The tricky part is figuring out the answer to the question, How much life insurance do I need to buy to ensure that my family is comfortable and worry-free? Here’s our no-excuses primer on life insurance: Yes, this life insurance calculator is for you But I have life insurance through work… Nice one! But you still need coverage...

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How to Choose Life Insurance – Nationwide

How do I choose the right life insurance product? The concept of life insurance is actually pretty simple – pay today to protect your loved ones after you're gone. But with so many types of life insurance out there, choosing life insurance for your situation can be hard. We can help you. Coverage and features to consider Basic protection – Need life insurance just to provide financial support to your survivors if you die unexpectedly? Term insurance generally provides coverage for a specific length of time, at a lower cost than other types of insurance. Market participation and cash value − If you need insurance protection for the long term, want the potential to build cash value (money...

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How Much Life Insurance Do You Really Need?

W hen my wife and I first had children, one of the big questions I asked was a familiar one: How much life insurance do I need? While nobody likes to think of their own demise, it’s prudent to consider what financial ramifications your death could have on those you leave behind. It gives me tremendous peace of mind to know that if I die, my wife will have enough to pay off all our debts and take care of our family. While it’s hard to dispute the sensibility of life insurance in general, many people disagree on how large of a life insurance policy you should have. So, here are some things to consider when you ask how much life insurance you should buy. 1. Rules of Thumb When it...

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